Why invest in University Bancorp?

University Bank is focused on profitable growth through niche financial services provided locally, nationally and via the Internet. These niches are Community Banking, Credit Unions, Islamic Finance and Federal Housing Administration Lending. Our niche businesses have become important profit drivers and represented 88.1% of our overall revenue in 2012. University Bancorp’s revenue growth has been rapid over the past several years:

The credit union industry is gaining market share from all other financial institutions. University Bancorp offers investors one of the few ways to invest in this ongoing growth of the credit union sector. Our Midwest Loan Services subsidiary grew 27% per year on average for the past eleven years in the value of mortgage loans subserviced to over $12.5 billion. Midwest is a business process outsourcer of mortgage services to 4.0% of the 7,535 credit unions in the U.S.
Islamic Finance serves individuals who wish to avoid paying or receiving interest while engaged in banking, including the 2.6 million Muslim citizens here in the U.S.
Federal Housing Administration Lending is the fastest growing sector of the residential mortgage business in the U.S., having grown from 3% of all new residential mortgage originations in 2006 to over 20% today.

Key Manager Statement

““In the midst of all the turmoil, community banking is a dynamically growing business. Our bank has a market capitalization today of only $15 million. Learn more about our story, our track record of successful innovation and what the future holds for us.””

Stephen Lange Ranzini
President & CEO

Key Statistics:

• Shares Outstanding: 4,667,598
• Shares in Free Float: 1,789,177

Release Date Schedule for Financial Updates to Shareholders
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OTC Markets University Bancorp (UNIB) Stock Info:

	Investor Relations Contact
	Stephen Lange Ranzini, President & CEO 2015 Washtenaw Avenue, Ann Arbor Michigan 48104 Phone: (734) 741-5858 xt 226 Fax: (734) 741-5859 Email: ranzini@university-bank.com

CAUTIONARY STATEMENT: This press release contains certain forward-looking statements that involve risks and uncertainties. Forward-looking statements include, but are not limited to, statements concerning future growth in assets and net income, the sustainability of past results, and other expectations and/or goals. Such statements are subject to certain risks and uncertainties which could cause actual results to differ materially from those expressed or implied by such forward-looking statements, including, but not limited to, economic, competitive, governmental and technological factors affecting our operations, markets, products, services, interest rates and fees for services. Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date of this press release.

Required Regulatory Statement on Risk
The securities of University Bancorp have NO FDIC Insurance and carry RISK OF LOSS: The securities are not insured by the FDIC or the Bank. The securities are subject to investment risks, including the possible loss of the principal amount invested.